CareerSwitch
ActiveCareerSwitch has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €25k. Equity is shrinking by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 28% of 782 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+1
Solvency44▼-21
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.02 against 1.45 in 2024; short-term debt: 67.3% and cash: 50.4% of total assets), and 80.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
on the day
2023
on the day
2022
6 d early
2021
on the day
2020
9 d late
2019
15 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▼ 52.7%
2024 · €39k
2019: €44k
2020: €48k
2021: €49k
2022: €36k
2023: €38k
2024: €39k
2019 → 2025
Total assets
€95k▼ 2.1%
2024 · €97k
2019: €85k
2020: €103k
2021: €97k
2022: €70k
2023: €62k
2024: €97k
2019 → 2025
Net result
€25k▲ 7.9%
2024 · €23k
2019: €12k
2020: €32k
2021: €21k
2022: €7k
2023: €22k
2024: €23k
2019 → 2025
Working capital
€1k▼ 93.9%
2024 · €18k
2019: €37k
2020: €40k
2021: €41k
2022: €35k
2023: €34k
2024: €18k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€49k-€36k▼ 26.7%€38k▲ 6.3%€39k▲ 3.3%€19k▼ 52.7%
Operating result€27k-€10k▼ 64.8%€28k▲ 195%€28k▲ 1.3%€33k▲ 14.2%
Net result€21k-€7k▼ 67.1%€22k▲ 222%€23k▲ 4.4%€25k▲ 7.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 14% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €95k
Fixed assets
€30k▼ 22.1%
Current assets
€65k▲ 11.0%
Equity and liabilities €95k
Equity
€19k▼ 52.7%
Debt
€77k▲ 32.1%
The debt ratio rises from 59.7% to 80.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€41k▲
2024 · €32k
Cash flow
€34k▲
2024 · €27k
Solvency
19.5%▼
2024 · 40.3%
Current ratio
1.02▼
2024 · 1.45
Quick ratio
1.02▼
2024 · 1.45
Debt / equity
4.13▲
2024 · 1.48
ROE
134.9%▲
2024 · 59.1%
ROA
26.3%▲
2024 · 23.8%
Interest coverage
40.28▼
2024 · 98.12
Debt
€77k▲
2024 · €58k
Debt ≤ 1 year
€64k▲
2024 · €41k
Debt > 1 year
€13k▼
2024 · €17k
Income taxes
€7k▲
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€97k€95k▼
Fixed assets21/28€39k€30k▼
Tangible fixed assets22/27€39k€30k▼
Furniture and vehicles24€39k€30k▼
Current assets29/58€59k€65k▲
Amounts receivable within one year40/41€24k€16k▼
Trade receivables40€17k€14k▼
Other amounts receivable41€7k€2k▼
Cash at bank and in hand54/58€34k€48k▲
Deferred charges and accrued income490/1€677€1k▲
Equity and liabilities
Total equity and liabilities10/49€97k€95k▼
Equity10/15€39k€19k▼
Contributions10/11€19k€19k=
Reserves13€21k€0▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€21k€0▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€58k€77k▲
Amounts payable after more than one year17€17k€13k▼
Financial debts170/4€17k€13k▼
Amounts payable within one year42/48€41k€64k▲
Current portion of amounts payable after more than one year42€5k€5k=
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€9k€10k▲
Taxes450/3€7k€8k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€22k€47k▲
Accrued charges and deferred income492/3€325€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€9k▲
Other operating charges640/8€947€775▼
Gross operating margin9900€33k€42k▲
Operating profit (loss)9901€28k€33k▲
Financial income75/76B€347€333▼
Recurring financial income75€347€333▼
Financial charges65/66B€325€1k▲
Recurring financial charges65€325€1k▲
Profit (loss) for the period before taxes9903€28k€32k▲
Income taxes67/77€5k€7k▲
Profit (loss) for the period9904€23k€25k▲
Profit (loss) for the period to be appropriated9905€23k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€25k▲
Transfer from equity791/2-€21k
Transfer to equity691/2€1k€0▼
To other reserves6921€1k€0▼
Profit to be distributed694/7€22k€46k▲
Return on contributions (dividend)694€22k€46k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €7k ▼67.1%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
30-06
Financial
Highest result since 2019net €32k ▲175%
Operating result €38k, net result €32k, both a record.
16-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Aalter · 1 establishment unit since 2014
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Onderdale 69910 AalterGround area
764 m²
Building footprint
128 m²
Volume, LiDAR
759 m³
Parcel 44067A0099/00K000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CareerSwitch Bvba
since 20142.225.440.910
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44067A0099/00K000 | Flanders | 764 m² | 1 · 128 m² | 9.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 45 EUR awarded · 45 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 45 EUR | 45 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,362 companies in sector 78100 we hold annual accounts for 1,365. 840 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2013
Fiscal year end30-06
Activities, NACEBEL
78100Employment placement agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@debaene.com
Phone:0479722773